Car Insurance Lapse

Descubra los descuentos y beneficios con el Programa de Seguros para automóviles de AARP de The Hartford.

What Happens if Car Insurance Lapses?

car insurance lapseIt is important that you protect yourself by having seguro para autos at all times. Letting your car insurance lapse isn’t uncommon, but it can be costly. Whether the lapse was on purpose or your policy was canceled because you didn’t pay your car insurance bill, your rates might go up. If an insurance company sees that you had a period of time with no insurance, they might consider you a higher risk. Driving without insurance could also result in fines, tickets and a suspended license, depending on the rules in your state. It’s important to keep continuous car insurance coverage, even if it's the minimum amount your state requires.

What Does It Mean to Let Your Insurance Lapse?

A car insurance lapse is a period of time when you own a car but you don’t have car insurance coverage. A lapse in coverage can happen because you didn’t pay your car insurance premiums or you were dropped from your insurance company. If you’re in an accident and you don’t have coverage, you may be liable for damage or injuries.

Car Insurance Lapse Grace Period

car insurance lapse grace periodYou may have a lapse in coverage because you missed the due date on your monthly car insurance payment. If it’s only been a short period of time, your insurance company may allow you a grace period. State laws require that your insurance company notify you before canceling your policy completely. You’ll have between 10-20 days, depending on where you live, to make your payment and avoid a car insurance lapse.

What Do I Do if My Car Insurance Lapses?

Don’t panic. Just take care of it quickly, so you can get safely back on the road. Here are a few steps you’ll want to take:
  1. Contact your insurance company. Find out what happened. Did you miss a payment?
  2. See if your policy can be reinstated. If the issue has to do with payment, call your car insurance company right away. If it hasn’t been too long, they can likely reinstate your policy so you have continuous coverage.
  3. Shop around. If your car insurance company is not willing to reinstate your policy, you may need to consider switching car insurance companies.

Customers of the AARP Auto Insurance Program From The Hartford

If you’re a customer of The Hartford and have a question, simply call 888-413-8970 and a customer service representative will be happy to help you.

Other Customers

If your coverage with another car insurance company lapses, you may still be able to get coverage with The Hartford. To be sure you’re protected, get a cotización de seguro para autos by calling us at 888-413-8970 or get a quote online.

Is There a Penalty for Lapse in Car Insurance?

Almost every state requires you to have car insurance to legally drive your car. Even if you’re driving a registered car, the penalties you’ll face if you’re caught driving without insurance may include:
  • Fines of up to $5,000
  • License suspension
  • Impounding of your car
  • Jail time

What Happens if Your Insurance Lapses and You Have an Accident?

what happens if car insurance lapsesIf you’re in a car accident while driving without insurance, you could be held financially responsible. You will likely have to pay out of pocket for any property damages or injuries as a result of the car accident. The best way to make sure you’re protected is to keep continuous coverage and avoid a car insurance lapse by:
  • Paying your car insurance premium on time
  • Renewing your insurance policy
  • Doing your best to keep a clean driving record

How Long Does an Insurance Lapse Stay on Your Record?

If you’ve had a lapse in coverage, you may have to file an SR-22 with your state for three years to prove you have purchased at least the minimum car insurance required. A lapse in coverage may cause insurance companies to see you as a high-risk driver, even if you have a good driving record. It can also potentially impact your future car insurance premiums. It’s best to keep continuous coverage to get the best insurance rate and make sure that you’re protected in a car accident. If you’re looking for car insurance that will give you peace of mind as you travel, get a cotización de seguro para autos  hoy mismo.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.